Not if the treasure is rolled up at world creation and seeded on random fringe worlds. In which case, reloading does not work. Having rare treasure randomized when found would encourage scumming as you say. And if treasure is sufficiently rare and random, such treasure is not guaranteed, and player will not know until he visits every system.
ITU is annoying, but tolerable since many ships use it and will drop one eventually (although it could be better, no objection there). What is more annoying are rare hullmods that are not used much, like IPDAI, Advanced Optics, and various shield hullmods, and you need to join Tri-Tachyon (or Persean League in case of Augmented Drive Field) to get them, unless you are lucky enough to find a bounty you can save-scum at (although given how rare Tachyon Lance and Mjolnir are, I probably would keep the results if I got max weapon drop instead of the rare hullmod).
That said, I favor cruisers because they are the smallest ship that can use DTC. ITU drop is simply an endgame thing that happens after enough grinding.